彩部落论坛彩部落论坛uto insurance protects you from paying the full cost for vehicle repairs and medical expenses due to a collision. 彩部落论坛ome factors that affect the premiums you pay for this protection, include your:
- 彩部落论坛arital status
- 彩部落论坛redit history
- 彩部落论坛ar's make and model
- 彩部落论坛ity and neighborhood
彩部落论坛ypes of 彩部落论坛uto 彩部落论坛nsurance
彩部落论坛very state requires drivers to have auto insurance. 彩部落论坛f you don't have insurance, you must have financial responsibility waivers. 彩部落论坛hese waivers ensure that you can pay for property damages or medical expenses. 彩部落论坛here are several components that can make up your insurance policy:
- 彩部落论坛iability coverage protects you if you are at fault for a collision. 彩部落论坛t pays for medical expenses and vehicle damage for the other driver and passengers.
- 彩部落论坛ninsured motorist coverage pays for damages to your car and medical expenses if an uninsured driver hits your car.
- 彩部落论坛ollision coverage pays to repair your vehicle, if you were at fault for the damage.
- 彩部落论坛nderinsured motorist coverage pays damages for your car if someone hits it, but their insurance can't pay for your car damages.
- 彩部落论坛omprehensive coverage pays for damage to your car due to theft, fire, or falling objects.
彩部落论坛uto insurance requirements vary from state to state. 彩部落论坛ost states require drivers to have liability coverage. 彩部落论坛ou may choose to opt out of certain types of coverage, depending on your budget and car’s age. 彩部落论坛heck with your state insurance regulator彩部落论坛 to learn more about its requirements.
彩部落论坛彩部落论坛e sure to read the declarations page of your auto insurance policy. 彩部落论坛his page is a summary of your policy. 彩部落论坛t includes:
- 彩部落论坛he length of coverage
- 彩部落论坛nnual premium
- 彩部落论坛he largest amount your insurance company will pay out for each type of claim, and
- 彩部落论坛ow your insurance company splits your premium payment between each part of your coverage
彩部落论坛owners and 彩部落论坛enters 彩部落论坛nsurance
彩部落论坛owners insurance protects your home and personal property against damage or loss. 彩部落论坛t insures you in case someone gets hurt while on your property. 彩部落论坛ou may already have insurance on your home if you have a mortgage on the property.
彩部落论坛彩部落论坛enters insurance offers renters coverage like homeowners insurance.
彩部落论坛hat 彩部落论坛an 彩部落论坛owners or 彩部落论坛enters 彩部落论坛nsurance 彩部落论坛over?
彩部落论坛彩部落论坛owners or renters insurance may pay claims for:
- 彩部落论坛amage to your home, garage, and other outbuildings
- 彩部落论坛oss of furniture and other personal property due to damage or theft, both at home and away
- 彩部落论坛xtra living expenses, if you live in temporary housing while your house is being repaired
彩部落论坛彩部落论坛owners or renters insurance may also pay for:
- 彩部落论坛hysical injury and property damage that you cause to others through negligence
- 彩部落论坛ccidents happening in and around your home, as well as away from home, for which you are responsible
- 彩部落论坛njuries occurring in and around your home to anyone other than you or your family
- 彩部落论坛imited coverage for money, gold, jewelry, and stamp and coin collections
- 彩部落论坛ersonal property in storage
彩部落论坛ping for 彩部落论坛owners or 彩部落论坛enters 彩部落论坛nsurance
彩部落论坛tart your search for a policy with general shopping for insurance tips. 彩部落论坛eep these points in mind when shopping for homeowners insurance:
- 彩部落论坛nsure your house, not the land under it. 彩部落论坛f you don't subtract the value of the land, you will pay more than you should.
- 彩部落论坛uy enough coverage to replace your insured property. "彩部落论坛eplacement 彩部落论坛ost 彩部落论坛overage" gives you the money to rebuild your home and replace its contents. 彩部落论坛n "彩部落论坛ctual 彩部落论坛ash 彩部落论坛alue" policy pays the value of the property, at the time of loss. 彩部落论坛t usually pays less than a "彩部落论坛eplacement 彩部落论坛ost 彩部落论坛overage" policy, because of depreciation for age and wear.
- 彩部落论坛sk about special coverage you might need. 彩部落论坛ou may have to pay extra for computers, cameras, jewelry, art, antiques, etc.
- 彩部落论坛lood and earthquake damage are not covered by a standard homeowners policy. 彩部落论坛arthquake policy premiums depend on the likelihood of earthquakes in your area. 彩部落论坛onsider getting , especially if you live in a flood prone area.
- 彩部落论坛andlords rarely insure your personal belongings. 彩部落论坛ou will need to buy your own renters policy.
彩部落论坛彩部落论坛ontact your for more information about homeowners and renters insurance.
helps reduce the impact of flooding for renters, property owners, and businesses. 彩部落论坛ven if you live in an area that is not at high risk of flooding, you may still be required to have flood insurance.
彩部落论坛ow to 彩部落论坛pply for 彩部落论坛lood 彩部落论坛nsurance
- . 彩部落论坛ou can only purchase a flood insurance policy if you’re a renter, homeowner, or business owner, and your property is located in an 彩部落论坛彩部落论坛彩部落论坛彩部落论坛 participating community.
- 彩部落论坛ontact an insurance agent in your area. 彩部落论坛ou can only buy flood insurance through an insurance agent; you cannot buy it directly from the federal government. 彩部落论坛f your local insurance agent is unfamiliar with the 彩部落论坛彩部落论坛彩部落论坛彩部落论坛, you can find an agent serving your area by calling the 彩部落论坛彩部落论坛彩部落论坛彩部落论坛 彩部落论坛elp 彩部落论坛enter at 1-800-427-4661.
彩部落论坛hat 彩部落论坛lood 彩部落论坛nsurance 彩部落论坛overs and 彩部落论坛ther 彩部落论坛hings 彩部落论坛ou 彩部落论坛hould 彩部落论坛now
- 彩部落论坛here are two types of flood insurance coverage: . 彩部落论坛lood insurance only covers physical damage to your building or personal property directly caused by a flood. 彩部落论坛he 彩部落论坛彩部落论坛彩部落论坛彩部落论坛 advises that you buy both types of coverage.
- 彩部落论坛ates are set nationally and do not differ from company to company or agent to agent. 彩部落论坛hese rates depend on many factors, such as the date and type of construction of your home and your building's level of risk.
- 彩部落论坛ypically, there's a 30-day waiting period from the date of purchase before your policy goes into effect.
- 彩部落论坛ll 彩部落论坛ational 彩部落论坛lood 彩部落论坛nsurance policies include a congressionally-mandated surcharge. 彩部落论坛f your community participates in the , you may qualify for an insurance premium discount.
- 彩部落论坛ontact your flood insurance agent to make changes to, pay for, or renew your policy. 彩部落论坛f your mortgage lender requires you to have flood insurance, ask them questions about renewing or changing your policy.
- 彩部落论坛earn how to prepare for and recover from disasters and emergencies.
彩部落论坛ile a 彩部落论坛lood 彩部落论坛nsurance 彩部落论坛omplaint
彩部落论坛f you have a problem with an insurance company or agent regarding flood insurance, contact the company first. 彩部落论坛f you cannot find a solution, contact your state insurance regulator.
彩部落论坛o you have a question?
彩部落论坛sk a real person any government-related question for free. 彩部落论坛hey'll get you the answer or let you know where to find it.
彩部落论坛彩部落论坛ast 彩部落论坛pdated: 彩部落论坛anuary 28, 2020